For each scenario, identify the step in the underwriting process that is being described:

-The underwriter gathers government records, loss data, and additional information from the producer regarding an insurance application:

-The underwriter considers ways to modify the policy and insurance rates, possible loss control measures, and the use of facultative reinsurance to make a submission more acceptable for coverage:

-The underwriter considers the insured's supporting business, the insurer's mix of business and regulatory restrictions when making a choice:

-The underwriter is prompted to act because of significant losses, substantive policy changes, or preparation for policy renewals: